make money online easy

1.
1
More
Time,
More
Money

2.
2
More
Time,
More
Money
Disclaimer
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e-­‐book
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been
written
to
provide
information
about
Internet
marketing.
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has
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made
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However,
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or
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Also,
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e-­‐book
provides
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only
up
to
the
publishing
date.
Therefore,
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as
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-­‐
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ultimate
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The
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The
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book.

3.
3
More
Time,
More
Money
More
Time,
More
Money:
100
Ways
to
Gain
More
Time
&
Make
More
Money
Have
you
grown
tired
and
fed
up
slaving
for
ten
to
twelve
hours
every
single
day,
earning
just
a
little
over
the
minimum
wage?
Like
many,
you
may
feel
like
your
desk
has
become
more
of
a
prison
cell
that
has
kept
you
all
locked
away
from
the
rest
of
civilization.
And
still,
you
find
yourself
living
from
paycheck
to
paycheck.
Time,
they
say,
is
money.
If
that’s
the
case,
this
brings
home
the
fact
that
some
people
are
certainly
making
a
whole
lot
more
money
in
the
same
amount
of
time
you
are
willing
to
put
in,
or
even
at
a
considerably
far
lesser
time.
By
now,
you
have
probably
deduced
the
fact
that
there
has
got
to
be
a
better
way
to
play
the
money-­‐making
game.
Yes.
In
fact,
there
are
a
hundred
different
better
ways
to
play
the
game.
It
is
possible
to
earn
more
by
working
less.
You’ve
seen
other
people
do
it.
It’s
time
to
write
your
own
success
story
and
make
it
happen
in
your
life.
While
increasing
your
productivity
will
give
you
twice
as
much
return,
discovering
a
far
better
way
to
play
the
game
will
possibly
bring
you
twenty
times
or
more
return.

4.
4
More
Time,
More
Money
According
to
Robert
Collier,
“Success
they
say
is
the
sum
of
small
efforts,
repeated
day
in
and
day
out.”
Every
single
time
you
find
a
better
way
of
doing
something
-­‐-­‐
whether
it’s
a
faster
route
to
earning
that
salary
raise
or
a
more
efficient
approach
to
going
through
your
daily
emails
-­‐-­‐
you
unlock
a
powerful
solution
to
earning
more
simply
because
your
time
has
become
more
valuable
and
now
worth
more
money.
But
the
question
is
how
do
you
exactly
do
that?
How
do
you
get
to
the
point
where
you
spend
lesser
amount
of
time
working
and
yet
earning
better?
The
“secrets”
to
earning
more
are
actually
all
around
you.
You
probably
have
next
door
neighbors
who
are
raking
in
a
fortune
doing
things
you
never
have
even
thought
of.
Time
is
money.
It’s
about
time
you
figure
out
how
highly
successful
people
spend
their
valuable
time.

5.
5
More
Time,
More
Money
1
Learn
the
money-­making
potential
of
affiliate
programs.
This
is
one
popular
and
very
effective
way
to
earn
passive
income,
which
is
derived
from
setting
up
a
website
that
pre-­‐sells
company
products.
In
this
setup,
the
company
provides
the
products
along
with
the
programming
code
that
tracks
down
sales,
of
which
you
will
be
given
a
commission
for
every
successful
sale.
Find
companies
that
are
known
to
offer
bigger
commissions
as
well
as
track
down
clients
who
are
highly
likely
to
make
multiple
purchases
over
extended
period
of
time,
which
will
generate
recurring
commissions.
2
Create
information
products
such
as
eBooks.
The
web
provides
a
great
way
to
create
and
sell
an
eBook
that
explains
“How
To”
information,
such
as
How
to
Start
Your
Online
Business,
or
any
other
topic
designed
to
provide
information
on
how
to
make
life
easier
for
people.
There
is
a
huge
demand
of
information,
which
is
something
you
can
capitalize
on.
The
great
thing
with
eBook
is
it’s
easier
to
create,
which
you
can
complete
at
a
short
amount
time.
Once
done,
you
simply
have
to
come
up
with
a
website,
secure
a
web
hosting
service
and
set
up
your
own
online
marketing
in
place.
This
will
make
it
possible
for
your
eBooks
available
for
purchase
24
hours
a
day,
for
several
years
to
come,
with
the
possibility
of
earning
income
while
you
sleep.
3
Earn
passive
residual
income
through
advertising
commissions.
If
you
own
a
website
or
you
are
planning
to
own
one,
work
on
attracting
visitors
or
generating
web
traffic
by
providing
relevant,
original
and
fresh

6.
6
More
Time,
More
Money
content
to
attract
people
to
visit
your
sites.
By
allowing
banner
placements
or
links
on
your
site
at
a
certain
fee,
you
can
look
forward
to
collecting
passive
residual
income
every
month.
4
Become
a
reseller
of
web
hosting
services
or
domain
registration.
Offer
web
hosting
service
wherein
you
simply
pay
a
monthly
fee
and
resell
the
service
at
a
certain
subscription
charge
to
your
customers.
However,
if
you
are
planning
to
engage
in
this
type
of
service,
it
is
important
to
be
thoroughly
familiar
and
knowledgeable
with
the
web
hosting
service
in
order
to
provide
prompt
and
reliable
support
to
your
customers.
5
Master
the
art
of
salary
negotiation.
During
job
interviews,
instead
of
waiting
for
the
salary
conversation
to
be
tackled,
you
can
go
right
ahead
and
ask
the
interviewer/recruiter
the
expected
salary
of
the
position
you
are
applying
for.
This
way
you
don’t
have
to
waste
time
going
back
and
forth
with
negotiations
since
you
already
know
the
figures
and
can
decide
ahead
of
time
if
it’s
something
viable
enough
for
you
to
pursue
your
application.
6
Keep
your
emails
short
and
concise.
Instead
of
spending
precious
minutes
composing
long
and
winding
emails,
keep
everything
short
and
to
the
point.
Firstly,
your
subject
line
should
be
informative
so
your
recipients
will
know
if
it
is
something
they
need
to
prioritize.
When
conveying
your
message
in
a
direct
manner,
make
sure
to
avoid
constructing
sentences
in
passive
voice.

7.
7
More
Time,
More
Money
7
Get
business
and
sales
leads
efficiently
by
directly
asking
people
if
they
have
a
problem
you
can
help
resolve.
For
example,
if
you
are
offering
web
design
services,
instead
of
checking
out
if
there
are
people
interested
in
having
a
new
website,
ask
direct
questions,
such
as
“Who
among
you
isn’t
happy
with
their
current
website?”
This
effectively
cuts
down
the
chase
and
you
get
to
save
significant
amount
of
time
when
it
comes
to
getting
responses.
8
When
it
comes
to
working
with
a
team,
most
of
the
time
80%
accurate
is
good
enough.
As
you
know,
time
is
money
and
most
of
the
time
large
projects
have
time-­‐
constraints.
If
you
are
working
with
a
team,
achieving
80%
accuracy
is
almost
always
good
enough.
You
can
leave
the
remaining
20%
for
the
practicing
or
testing
phase,
where
you
can
work
out
the
finer
details.
Keep
in
mind
that
getting
the
job
done
right
and
on
time
is
more
important
that
getting
all
the
details
right.
9
Talk
to
a
human
customer
service
representative.
When
calling
customer
service,
instead
of
talking
to
an
automated
machine,
get
faster
and
more
efficient
resolution
and
support
by
going
straight
to
a
real
person.
If
you
have
an
important
or
urgent
complaint,
try
to
check
contacthelp.com
or
gethuman.com
if
there
is
a
code
for
the
specific
company
you
need
to
call
and
bypass
the
automated
systems.

8.
8
More
Time,
More
Money
10
Master
the
art
of
saying
“No.”
Before
making
any
commitments,
evaluate
your
current
workload
and
respect
your
limits.
Learning
to
say
no
will
not
only
free
up
your
time
but
will
also
save
you
from
a
lot
of
stress.
Successful
people
know
what
they
want
and
have
no
trouble
being
decisive,
putting
their
foot
down
on
something
and
saying
no.
11.
Learn
the
art
of
delegation.
If
you
are
the
type
of
person
used
to
doing
everything
on
your
own
or
you
have
difficulty
of
letting
go,
keep
in
mind
that
you
do
not
have
enough
hours
in
the
day
to
do
and
attend
to
everything.
This
is
a
very
important
value
every
managers
and
leaders
should
learn
and
accept.
Reduce
your
workload
and
enhance
efficiency
by
learning
to
delegate
tasks.
12
Study
to
get
training
for
a
specialized
skill.
These
days,
a
highly
desirable
and
specialized
skill
set
can
propel
you
from
being
just
an
ordinary
employee
to
a
more
valuable
one.
Take
time
to
determine
what
are
the
most
valuable
and
in
demand
skills
in
your
industry
and
check
if
it
is
something
that
you
can
learn
to
acquire
during
your
spare
time.
13
Earn
a
higher
qualification
or
degree.
There
are
certain
job
sectors
that
require
having
a
certain
degree,
specialized
training
or
certificate
in
order
to
qualify
you
to
a
higher
pay
scale.
While
this
route
may
be
financially
challenging
and
time
consuming,
it
can
increase
your
qualifications
and
make
you
eligible
for
promotions
or
higher
designations,
which
can
prove
to
be
a
good
and
rewarding
investment
in
the
long
run.
Whether
it’s
an
MBA
degree
or
a
Six
Sigma
Black
Belt,
check
out
if
spending
on
night
classes
and
seminars
can
turn
out
to
be
feasible
investments.
There
are

9.
9
More
Time,
More
Money
also
companies
that
sponsor
further
education
for
qualified
employees,
so
take
time
to
discuss
this
with
your
company’s
Human
Resource
Department.
14
Consider
changing
your
work
hours
or
telecommuting.
If
your
employer
is
unable
or
unwilling
to
give
you
a
salary
raise
in
compensation
of
the
amount
of
work
you
do,
try
to
negotiate
adjusting
your
work
hours
or
discuss
telecommuting
options.
However,
this
may
not
work
for
a
number
of
industries
but
if
you
can
complete
most
of
your
work
from
home,
then
it’s
definitely
worth
asking.
You
can
also
evaluate
your
work
hours
and
check
if
working
on
another
shift
can
help
your
productivity
or
open
up
more
time
to
pursue
other
money-­‐making
opportunities.
15
Instead
of
working
as
a
full-­timer,
consider
becoming
a
consultant.
If
you
are
constantly
working
above
and
beyond
the
regular
40-­‐hour
work
week,
you
may
want
to
explore
the
idea
of
working
as
an
hourly
consultant,
if
it
is
more
feasible
financially.
While
this
may
not
mean
you
work
any
less,
this
offers
you
more
flexible
work
hours,
thereby
allowing
you
to
take
on
additional
clients
and
earn
extra
income
instead
of
working
full-­‐time
and
not
getting
overtime
pay.
16
Demand
a
salary
raise
if
you
are
doing
more
or
contributing
significantly.
If
you
feel
you
deserve
a
raise
for
the
amount
of
profit
you
are
bringing
in
to
your
company
or
you
are
doing
more
work
than
you
are
originally
hired
to
do,
by
all
means
ask
for
a
raise
based
on
your
performance.
You
can
time
your

10.
10
More
Time,
More
Money
request
for
a
raise
after
a
performance
review.
If
you
prove
to
be
a
great
asset
to
the
company,
the
management
won’t
mind
paying
you
more
to
retain
your
services.
17
Find
an
efficient
way
of
doing
repetitive
tasks.
If
your
work
or
day
to
day
tasks
require
you
to
attend
to
repetitive
tasks
on
regular
basis,
instead
of
spending
a
significant
amount
of
time
completing
them,
try
to
figure
out
how
you
can
automate
or
streamline
the
entire
process.
There
are
a
lot
of
online
applications
and
software
products
online
designed
to
cut
down
the
nitty-­‐gritty
stuff.
Make
use
of
free
apps,
which
can
significantly
cut
down
the
amount
of
time
to
complete
a
certain
task.
If
you
feel
it’s
time
to
purchase
paid
software,
bring
this
up
with
the
management
and
make
sure
to
come
armed
with
reasons
to
justify
the
expense.
Overall,
these
software
can
help
in
significantly
increasing
productivity,
accuracy
and
provide
easy
access
to
organized
information.
18
Consider
changing
jobs
or
making
a
bold
career
move.
If
you
feel
your
career
is
facing
a
dead
end
and
there
is
no
opportunity
to
transition
into
a
more
rewarding
and
healthier
work-­‐life
balance
with
your
current
job,
consider
exploring
better
opportunities.
Find
a
new
work
environment
where
your
experience
and
skills
are
greatly
valued.
The
bottom
line
here
is,
if
you
are
overworked
and
underpaid,
it’s
time
you
do
something
about
it.
19
Consider
taking
on
freelance
writing
jobs.
If
you
have
a
flair
for
writing
or
possess
a
solid
grasp
of
good
grammar,
communication
and
spelling,
you
may
want
to
seek
opportunities
for
freelance

11.
11
More
Time,
More
Money
writing
jobs.
You
can
contribute
articles
to
magazines,
newspapers
and
other
local
periodicals
to
earn
extra
income.
Gradually
build
your
portfolio
and
work
your
way
towards
establishing
credibility.
20
Teach
a
language.
Do
you
know
and
speak
another
language?
Or
maybe
you
have
strong
command
of
the
English
language
to
qualify
you
to
teach
it?
This
is
an
in
demand
skill
that
can
open
up
great
money
making
opportunities.
21
Perform
Internet
research
jobs.
If
you
are
confident
that
you
know
your
way
around
the
web,
you
can
offer
your
skill
as
an
online
researcher
to
local
businesses.
22
Become
a
“green”
consultant.
People
are
keen
on
making
lifestyle
changes
that
can
result
to
using
less
energy
for
their
home.
This
is
a
huge
industry
that
can
help
you
rake
in
significant
profit
by
evaluating
homes
and
making
recommendations
on
how
to
become
“green”.
Over
time,
you
can
also
sell
your
services
to
companies.
23
Sell
organic
produce.
If
you
love
gardening
and
know
organic
methods,
consider
selling
organic
produce.
Depending
on
just
how
large
your
harvest
is,
you
can
offer
“in
season”
organic
vegetables
as
well
as
fresh
herbs
to
restaurants.
Chefs
are
always
keeping
an
eye
on
suppliers
that
offer
the
best
and
the
freshest.
24
Sell
antiques
and
vintage
pieces
on
eBay.
If
you
have
good
knowledge
on
antiques,
spend
your
weekends
scouting
among
thrift
stores
and
garage
sales
as
well
as
flea
markets
where
you
can

12.
12
More
Time,
More
Money
potentially
score
old,
valuable
treasures
on
the
cheap.
Conduct
a
bit
of
a
research
and
auction
it
off
on
eBay.
25
Get
paid
to
shop.
There
are
a
number
of
companies
that
actually
hire
people
to
perform
what
is
known
as
“mystery
shopping”
and
report
their
experiences
to
companiesu.
When
engaging
in
this
type
of
job,
you
need
to
make
sure
to
be
fair
and
you
possess
a
good
grasp
and
understanding
of
the
industry.
26
Decorate
cakes.
If
you
love
to
bake,
earn
money
on
the
side
making
and
decorating
cakes.
Show
off
your
baking
prowess
and
offer
to
bake
pastries
as
well
as
other
goodies
to
local
office
break
rooms,
small
coffee
shops,
local
deli,
etc.
27
Make
and
sell
jams
and
jellies.
If
you
know
how
to
can
and
preserve
jams
and
jellies
the
old
fashion
way,
you
can
make
a
large
batch
and
sell
jams
and
jellies
that
are
in
season.
You
can
either
choose
to
sell
it
among
friends
and
colleagues,
to
a
local
market
or
even
over
the
Internet.
28
Make
money
out
of
your
photos.
If
you
own
a
fancy
camera
and
you
have
a
flair
for
taking
stunning
photos,
put
it
to
good
use
by
offering
your
services
to
special
events
such
as
weddings,
parties
and
corporate
functions.
You
can
also
post
them
to
online
sites
and
make
money
every
time
someone
decides
to
download
and
use
it.

13.
13
More
Time,
More
Money
29
Take
time
to
sort
out
your
savings.
To
earn
more
money,
you
need
to
make
sure
all
you
savings
are
working
hard
to
earn
profit.
If
you
have
a
lump
sum
of
money
that
you
are
prepared
to
put
away
for
about
12
months
or
longer
then
get
a
fixed-­‐rate
account.
30
Take
in
a
lodger.
While
most
people
spend
a
fortune
to
own
a
home,
how
about
making
your
home
earn
and
generate
its
own
profit?
If
you
have
a
spare
room,
consider
renting
it
out
and
earn
extra
income
on
the
side.
31
Rent
out
a
car
parking
space.
If
you
are
living
close
to
the
city
center,
or
near
a
football
stadium
or
train
station,
and
you
have
a
garage
or
parking
space
that
you
don’t
exactly
use,
it’s
a
proverbial
goldmine
right
under
your
nose.
Rent
your
parking
space
to
commuters
or
concert/game
event
fan
and
earn
extra
money
on
the
side.
32
Sell
on
eBay.
You
know
what
they
say
about
one
man’s
rubbish
can
turn
out
to
be
another
man’s
treasure.
If
you
have
too
many
unused
possessions
that
are
taking
up
permanent
residency
in
your
basement
and
cramping
your
home,
then
consider
auctioning
pieces
on
eBay
and
earn
money.
33
Answer
paid
surveys.
There
are
a
number
of
online
surveys
available
where
you
will
be
rewarded
for
your
opinions,
either
through
reward
vouchers
or
cash.

14.
14
More
Time,
More
Money
34
Offer
virtual
assistance
services.
With
a
growing
number
of
web-­‐based
businesses
today,
virtual
assistance
services
are
now
on
very
high
demand.
A
lot
of
companies
and
people
use
the
services
of
a
virtual
assistance
to
conduct
researches,
perform
time-­‐consuming
jobs,
find
things
and
make
phone
calls,
etc.
35
Make
money
by
hosting
an
online
forum.
Software
such
as
SebFlipper
has
the
ability
to
host
a
number
of
separate
forums
under
a
single
server.
You
can
make
money
by
charging
forum
operators
or
owners
for
your
hosting
service.
You
can
also
offer
this
service
for
free
and
post
your
ads
and
banners
on
their
forums
to
generate
income.
36
Do
podcasting.
This
is
similar
to
video
or
voice
blogging
where
you
can
talk
about
some
interesting
topics
and
make
money
from
the
ads
show.
If
you
have
a
gift
for
gab,
and
you
feel
you
can
provide
relevant
information
or
interesting
opinions,
you
can
reach
out
to
hundreds
of
subscribers
through
this
platform.
37
Plan
your
day
ahead
and
stick
to
it.
If
you
have
try
planning
out
your
day
and
anticipate
the
possible
roadblocks,
you
will
find
that
you
are
better
prepared
to
tackle
challenges
and
deflect
issues
with
more
ease.
This
will
help
ensure
you
will
have
a
more
productive
day.

15.
15
More
Time,
More
Money
38
Break
down
your
large
plans
into
more
manageable
milestones.
Try
to
achieve
something
worthwhile
every
day.
If
you
plan
out
your
goals
and
set
schedules
and
timelines,
you
have
more
motivation
not
to
slack
off
or
procrastinate.
39
Start
your
day
by
tackling
first
the
more
difficult
and
the
time-­consuming
tasks.
This
is
the
time
where
you
still
have
full
energy
to
go
through
everything
before
gradually
moving
on
to
easier
ones.
40
Learn
to
best
deal
with
interruptions
in
a
decisive
and
assertive
manner.
Do
not
allow
the
trivial
concerns
of
others
distract
you
from
your
purpose.
This
does
not
necessarily
mean
you
need
to
be
rude
and
offensive.
Instead,
learn
to
be
firm
and
prioritize
important
things
instead
of
constantly
ending
up
accommodating
other
people’s
concerns.
41
Stop
procrastinating.
Train
yourself
to
avoid
wasting
time
worrying
or
dawdling,
which
only
increases
your
unproductivity.
Remember,
time
is
money.
If
you
are
constantly
paralyzed
with
worry,
schedule
your
‘worry
time’
at
the
end
of
each
day
so
you
can
stay
focused
to
tackle
outstanding
work
and
more
important
concerns.

16.
16
More
Time,
More
Money
42
Manage
your
clutter.
Make
sure
everything
is
in
its
proper
place,
this
will
save
you
time
from
constantly
searching
for
misplaced
items.
A
tidy
desk
can
significantly
help
enhance
productivity.
43
Stick
to
your
priorities.
Don’t
get
into
the
habit
of
cancelling
or
putting
off
things
you
can
accomplish
today.
While
one
might
say,
you
still
have
enough
time
tomorrow,
it’s
another
day
to
face
with
a
whole
new
set
of
challenges.
44
Learn
to
batch
process.
Bunch
all
the
small
and
menial
tasks
that
are
not
important.
Instead
of
going
to
and
fro
attending
to
small
things
all
throughout
the
day,
which
only
interrupt
and
distract
you
from
more
important
tasks,
bundle
or
batch
them
together
and
go
through
them
one
set
at
a
time.
You
can
create
a
list
of
the
small
task
and
with
only
an
hour
or
so
left
in
your
work
day,
start
processing
these
tasks
as
quickly
as
possible,
and
crossing
each
one
off
your
list.
45
Brown
bag
it.
While
making
and
bringing
your
own
lunch
to
work
is
not
exactly
life-­‐changing,
it
saves
you
the
unnecessary
expense,
free
up
more
of
your
time
by
working
through
lunch
and
gives
you
better
control
of
what
you
eat.
46
Take
on
high
profile
projects.
If
you
are
constantly
working
on
the
sidelines,
doing
less
important
things,
your
accomplishments
will
certainly
not
make
you
a
star,
nor
will
it
take
you
far.
Instead,
try
to
volunteer
for
bigger
projects,
the
very
ones
that
will
carve
your

17.
17
More
Time,
More
Money
name
and
bring
recognition
to
the
company.
If
you
have
the
expertise
and
confidence
but
there
is
a
lack
of
worthwhile
projects,
consider
coming
up
with
your
own.
If
you
do
well,
these
large
and
high-­‐profile
projects
can
make
a
huge
impact
on
your
career
and
life.
These
are
the
accomplishments
that
can
enhance
your
portfolio.
47
Bank
your
salary
raise.
If
you
were
finally
given
a
raise,
don’t
immediately
go
into
thinking
of
ways
how
to
spend
your
extra
money.
Avoid
increasing
your
expenditures.
Instead,
consider
putting
the
entire
amount
in
the
bank.
48
Carefully
organize
your
files
and
desk.
While
they
say
creative
minds
can
make
sense
of
their
own
chaos,
it
can
also
add
to
stress
and
hamper
your
productivity.
Label
your
folders
accordingly
and
throw
out
papers
and
documents
that
can
be
discarded.
49
Tidy
your
to-­do
list.
If
your
to-­‐do
list
is
about
a
mile
long,
go
through
each
one
and
determine
which
ones
are
unnecessary.
Develop
the
habit
of
eliminating
unnecessary
stuff
and
learn
to
simplify
your
life.
50
Get
rid
of
distractions.
Eliminate
all
the
unnecessary
distractions
such
as
IM
and
email
alerts,
Twitter
and
other
social
networking
sites.
In
fact,
if
possible,
you
should
consider
turning
off
the
Internet.
You
can
also
wear
headphones
so
you
will
not
be
distracted
with
regular
office
noise.

18.
18
More
Time,
More
Money
51
Keep
meetings
to
30
minutes
or
less.
One
of
the
most
common
and
biggest
time-­‐wasters
are
meetings
that
could
be
easily
accomplished
with
a
phone
call
or
an
email.
If
possible,
beg
out
of
meetings,
or
if
you
call
the
shots,
eliminate
them
if
it’s
not
critically
important.
52
Only
try
to
check
your
email
once
or
twice
a
day.
Avoid
constantly
going
through
your
emails
all
throughout
the
day.
Allocate
a
time
to
go
through
your
mail
at
the
start
of
your
day
and
check
back
an
hour
before
you
leave.
If
you
keep
on
sending
unimportant
emails,
you
are
creating
major
distractions
to
recipients
and
affecting
the
productivity
of
everyone,
including
yourself.
53
When
at
home,
turn
off
your
television.
One
of
the
most
effective
ways
to
save
you
both
time
and
money
is
to
watch
less
television.
This
gives
you
more
time
to
take
care
of
more
important
things
or
seek
a
more
rewarding
hobby
instead
of
watching
all
those
guilt-­‐inducing
ads.
54
Go
over
your
personal
collection
and
check
out
which
ones
you
can
get
rid
and
sell.
Turn
a
critical
eye
and
determine
if
there
are
duplicates
or
items
that
you
are
willing
to
sell.
While
you
are
at
it,
how
about
considering
cutting
down
the
time
you
spend
on
your
hobby
and
look
for
more
profitable
ventures?
It
would
be
great
if
you
have
a
money-­‐making
hobby,
or
earn
doing
something
you
are
passionate
about.
Who
knows,
this
could
open
up
a
lot
of
great
opportunities
for
you.

19.
19
More
Time,
More
Money
55
Practice
the
30-­day
rule
when
contemplating
on
making
a
purchase.
If
you
are
tempted
to
splurge
or
treat
yourself
with
a
latest
gadget
wait
for
30
days
and
ask
yourself
if
you
really
want
the
item.
Often,
the
urge
will
pass
away
and
you
end
up
saving
yourself
a
significant
amount
of
money
by
waiting
and
not
acting
on
impulse.
It
is
important
to
train
yourself
to
do
away
with
the
trivial
and
unnecessary
purchases
and
save
money
on
really
sound
investments.
56
Avoid
spending
too
much
on
entertaining
your
children.
Instead
of
caving
in
to
the
temptation
of
buying
your
child
the
latest
video
game
or
the
coolest
gadget
to
hit
the
market,
focus
on
honing
his
creativity
and
appreciate
simple
and
stimulating
games.
It
is
important
for
parents
to
realize
that
children
do
not
need
fancy
gadgets
to
keep
them
happy,
instead
make
great
memories
spending
more
time
with
them,
making
stuff
and
discovering
new
things.
You
will
definitely
find
these
alternatives
cheaper
and
more
rewarding.
57
Contact
your
credit
card
company
then
ask
for
a
rate
reduction.
Choose
any
of
your
cards
that
are
carrying
a
balance
and
call
up
the
company
number
at
the
back
part.
Negotiate
for
an
interest
reduction
or
you
will
contemplate
on
taking
your
business
elsewhere.
If
the
person
you
talk
to
will
not
be
able
to
accommodate
your
request,
then
ask
for
the
supervisor.
When
you
think
about
it,
if
you
have
$5,
000
worth
of
balance
with
a
3%
reduction
rate,
you
can
potentially
save
$150
every
year.

20.
20
More
Time,
More
Money
58
Clean
out
your
closet.
Go
through
your
wardrobe
and
focus
on
getting
rid
of
some
of
the
stuff.
You
can
organize
a
yard
sale
or
donate
it
to
get
a
tax
reduction.
All
the
old
stuff
that
are
just
sitting
there
can
actually
put
more
money
into
your
pocket.
Of
course,
it
could
also
mean
freeing
up
more
closet
space.
59
Choose
term
life
insurance.
A
lot
of
people
believe
that
insurance
is
an
investment.
It
is
not.
Switch
to
a
term
insurance
instead
then
you
can
use
the
difference
of
the
cost
to
settle
some
of
your
debts
or
start
your
savings.
Whole
and
universal
policies
are
significantly
more
expensive.
You
are
definitely
better
off
getting
yourself
out
of
debt
instead
of
spending
extra
on
sub-­‐par
investments.
60
When
buying
a
car,
go
for
fuel
efficiency
and
reliability.
Instead
of
going
for
what’s
popular
or
flashier,
choosing
a
more
fuel
efficient
and
reliable
car
will
save
you
thousands
of
dollars
in
the
long
run.
For
example,
when
driving
a
vehicle
for
80,
000
miles,
choosing
a
25-­‐mile
per
gallon
car
over
a
15-­‐mile
per
gallon
will
translate
to
2,
133
gallons
of
gas.
So
if
a
gallon
costs
$3,
that’s
an
astonishing
$
6,
400
savings
right
there.
In
addition,
reliability
can
also
pay
great
dividends,
so
do
your
research.
Your
efforts
will
pay
off
for
you,
big
time.
61
Avoid
going
to
shopping
centers
and
stores
just
for
entertainment.
Indulging
to
the
need
to
window
shop
will
only
encourage
you
to
spend
more
money
on
stuff
that
you
don’t
really
need.
Instead,
seek
other
places
to

21.
21
More
Time,
More
Money
entertain
you,
such
as
the
museum,
the
park
or
a
friend’s
house.
Don’t
substitute
shopping
as
a
form
of
entertainment
and
you
will
be
better
off.
62
Plan
to
invest
on
a
small
business
and
use
business
model
that
has
a
lot
of
potential
of
making
you
rich.
If
you
have
not
figured
it
out,
entrepreneurs
go
into
business
since
they
have
long
realized
working
on
a
9
to
5
job
will
not
make
them
rich.
However,
going
into
business
requires
careful
planning
so
make
sure
to
cover
all
the
bases.
Start
with
a
solid
business
model.
If
you
can’t
see
yourself
raking
in
thousands
or
millions
of
dollars
with
your
business
idea,
you
may
want
to
explore
more
possibilities.
63
Carefully
identify
and
isolate
your
core
strengths
then
decide
to
build
on
them.
Find
something
you
truly
enjoy,
this
is
a
strength
that
you
can
potentially
build
and
invest
on.
If
you
go
into
a
business,
it
is
best
to
venture
into
something
that
will
allow
you
to
express
your
strengths
then
you
can
develop
it
more
through
repetition.
A
lot
of
people
have
successfully
reaped
great
financial
rewards
following
this
route.
Check
out
if
you
can
cash
in
on
yours.
64
Choose
to
operate
in
an
industry
with
high
demand
and
significant
profit
margin.
You
make
profit
based
on
the
difference
on
how
much
sales
you
make
and
the
amount
of
money
you
keep
from
every
sale
after
deducting
the
cost
of
delivering
the
goods
or
service.
If
you
enjoy
greater
margin,
then
you
will
need

22.
22
More
Time,
More
Money
a
fewer
amount
of
sales
to
earn
a
million.
Before
getting
into
any
business,
calculate
first
the
possible
margin
of
the
products
or
service
you
choose
to
sell.
65
Opt
to
use
cash.
Instead
of
constantly
charging
your
purchases
to
your
credit
or
debit
cards,
choose
to
pay
in
cash
instead
for
all
those
non-­‐bill
spending
such
as
gas,
eating
out
and
the
groceries.
Why?
Paying
in
cash
makes
the
experience
of
spending
more
real.
There
is
also
the
fact
that
in
choosing
to
spend
cash,
you
have
better
control
of
your
expenses
instead
of
ending
up
spending
more
than
you
earn.
66
Make
some
minimal
weekly
savings
transfers.
Try
to
deduct
a
few
dollars
off
your
disposable
cash
every
week.
You
can
start
by
transferring
$20
or
$40
per
week
and
transfer
it
to
your
savings.
It’s
a
relatively
small
amount
that
you
maybe
barely
notice
but
end
up
saving
a
large
sum
of
money
over
a
period
of
time.
67
Choose
to
stay
home
instead
of
going
out.
Going
out
will
encourage
you
to
spend
unnecessarily
since
you
will
be
tempted
to
eat
at
restaurants,
stop
at
the
gas
station,
go
to
the
mall,
etc.
It
is
difficult,
almost
impossible
to
avoid
spending
when
you
are
on
the
road
so
stay
at
home
instead
and
seek
other
free
entertainment.
You
can
also
use
this
free
time
to
spend
with
your
family.
68
Avoid
getting
catalogs
or
any
other
emailed
announcements.
All
these
emails
and
newsletters
are
all
designed
by
companies
to
sell
you
stuff.
When
you
frequently
receive
announcements
of
cool
new
products
or

23.
23
More
Time,
More
Money
upcoming
sales,
it
can
be
very
tempting
to
make
a
purchase
on
luxury
items
or
service.
Choose
to
stop
all
those
catalog
and
newsletter
subscriptions
so
you
don’t
have
to
deal
with
trying
to
resist
temptation.
69
Choose
to
cook
at
home
instead
of
eating
out.
This
may
be
difficult
to
do
especially
if
you
are
too
tired
to
cook
after
a
grueling
day
at
work.
Instead
of
expensive
dinners
or
ordering
deliveries
and
takeout
fast
food
that
are
not
exactly
healthy,
throw
in
a
quick
stir
fry
using
fresh
or
frozen
veggies.
You
can
also
research
ahead
of
time
some
no-­‐fuss
and
10-­‐
minute
recipes,
so
cooking
homemade
and
healthier
dishes
doesn’t
have
to
be
a
real
burden.
70
Use
the
envelope
system
when
segregating
your
money.
This
is
following
the
same
concept
of
paying
cash.
Use
envelopes
in
order
to
split
your
disposable
cash
into
the
different
categories.
If
you
empty
one
envelope,
then
that
means
you
have
completely
spent
your
allotment.
71
Learn
the
spreadsheet
tracker
hack.
There
are
a
lot
of
expensive
programs
out
there
like
Quicken,
MS
Money,
etc.
that
can
help
you
better
manage
your
finances.
However,
you
don’t
exactly
need
to
invest
in
any
of
those
fancy
software,
especially
if
you
don’t
have
a
real
need
for
all
the
bells
and
whistles
that
only
cost
you
more.
Instead,
you
can
use
Google
Docs
and
Spreadsheets,
which
you
can
use
to
keep
track
of
your
bank
account.
You
can
indicate
dates
for
every
transaction,
including
titles
and
amounts,
along
with
a
little
field
for
notes
or
memos
and
your
running
balance.

24.
24
More
Time,
More
Money
72
Choose
to
pay
debt
and
savings
first.
Every
time
you
sit
down
to
go
through
all
your
bills,
choose
to
pay
or
allocate
money
first
for
your
savings
then
make
your
debt
payments.
If
you
constantly
choose
to
allocate
money
for
your
savings
for
whatever
is
left,
you
will
frequently
end
up
shortchanging
it.
So
choose
to
pay
for
your
savings
first.
This
will
help
you
effectively
cut
back
on
your
expenses.
73
Get
rid
of
cable
TV.
A
lot
of
people
spend
too
much
time
in
front
of
the
television,
a
pastime
that
is
not
exactly
productive.
Instead
of
spending
on
cable
subscription,
you
can
choose
to
download
or
rent
DVDs
online
and
only
watch
the
movies
worth
watching
and
not
spend
time
scanning
useless
shows
you
find
on
TV
most
of
the
time.
74
Choose
to
use
online
savings
instead
of
traditional
bank
savings
accounts.
There
are
a
number
of
online
banks
that
offer
twice
as
much
interest
than
the
normal
banks.
However,
you
will
not
get
an
ATM
account
or
be
provided
with
a
convenient
way
to
withdraw
funds.
This
of
course
can
work
to
your
advantage
since
you
can
effectively
curb
the
inclination
to
purchase
things
on
impulse.
75
Choose
to
find
happiness
in
life
and
not
in
spending.
A
lot
of
people
choose
to
buy
stuff
thinking
subconsciously
that
it
will
help
them
find
lasting
happiness.
These
are
the
consumers
who
always
feel
the
need
to
have
the
latest
gadget,
the
fanciest
car
or
the
most
popular
pair
of
shoes.
Truth
is,
when
you
buy
stuff,
you
will
be
happy
with
your
purchase
for

25.
25
More
Time,
More
Money
about
a
day
or
two
at
most.
After
that,
you
will
again
feel
the
need
to
buy
some
more,
which
becomes
a
never-­‐ending
vicious
cycle.
Instead,
choose
to
love
and
enjoy
life.
You
can
choose
to
find
joy
in
nature
and
the
people
around
you
or
perhaps
in
doing
things
that
you
really
love.
There
are
so
many
things
in
life
that
can
provide
you
more
happiness,
all
without
the
need
to
spend.
76
Turn
your
hobby
into
a
profitable
venture.
The
thought
of
doing
something
you
are
extremely
passionate
about
and
making
profit
out
of
it
is
too
good
of
an
idea
to
pass
up.
If
you
love
dabbling
with
web
design,
hone
your
craft
and
consider
monetizing
your
creativity
by
taking
on
logo
projects
and
web
design
projects
on
the
side.
If
you
love
cycling,
you
can
earn
extra
income
by
repairing
and
maintaining
bikes.
People
who
love
to
bake
are
making
a
small
fortune
selling
their
creations
or
some
high-­‐end
cookware
sets.
77
Learn
to
use
your
credit
cards
strategically.
Choose
the
right
credit
card
to
complement
your
spending
habits
so
you
can
make
the
most
of
using
credit
cards.
Choose
cards
that
give
reward
points
for
purchasing
things
that
you
normally
spend
on.
So
before
merely
using
a
card
because
it’s
available,
make
an
effort
to
study
what
card
to
best
use
to
purchase
what.
78
Consider
engaging
in
paid
testing.
Become
a
paid
tester.
There
are
a
lot
of
medical
companies
as
well
as
cosmetic
developers
that
pay
testers
to
personally
try
their
treatments
and
products.
In
order
to
become
eligible,
you
will
need
to
meet
a
certain
set
of
requirements.

26.
26
More
Time,
More
Money
79
Make
blood
plasma
donation.
Unknown
to
many,
blood
plasma
is
a
relatively
high
in
demand
commodity.
The
great
thing
about
making
blood
plasma
donation
is
the
fact
that
you
can
actually
go
in
and
donate
twice
in
7
days,
just
as
long
as
you
have
at
least
2
days
in
between.
You
can
generally
get
about
$20
to
$35
for
every
pint.
80
Discover
earning
money
through
recycling.
Try
to
check
out
if
there
are
any
recycling
facilities
near
your
locality.
There
are
many
towns
that
have
several
scrap
metal
recycling
facilities,
which
can
pay
you
for
every
pound
of
metal
you
bring
in.
In
addition,
if
you
live
in
a
state
where
you
are
required
to
pay
a
deposit
for
every
glass
bottle,
choose
to
return
them
to
get
the
deposit,
instead
of
throwing
them
out.
However,
keep
in
mind
that
it
is
illegal
to
do
this
across
the
state
lines.
81
Take
on
some
odd
jobs.
If
have
the
knowledge
and
expertise
to
do
repairs,
cleanups
or
yard
work,
you
can
make
sure
quick
cash
offering
your
services
for
such
jobs.
In
fact,
if
you
own
a
truck,
you
can
offer
your
services
to
haul
away
debris
and
earn
serious
money
when
done
on
a
regular
basis.
82
Get
a
promotion.
If
you
are
not
really
comfortable
of
the
idea
of
asking
for
a
salary
raise,
the
next
best
thing
you
can
do
is
earning
that
raise
by
getting
a
job
promotion.
It’s
a
widely
accepted
fact
that
if
you
do
more,
you
are
expected
to
be
paid
more.
So
how
about
working
towards
advancing
your
career
and
earning
that
promotion?
Of
course,
that
would
mean
you
need
to
perform
well
and
take
the
necessary
steps
to
highlight
your
achievements
in
a
subtle
way.
However,
you

27.
27
More
Time,
More
Money
need
to
check
if
there
is
really
room
for
growth
in
your
company.
If
a
promotion
and
a
salary
raise
seem
out
of
reach,
you
may
want
to
set
your
sights
elsewhere.
83
Sell
handmade
products
on
Etsy.
If
you
have
a
skill
of
coming
up
with
creative
things,
you
can
put
up
an
online
store
at
Etsy
and
sell
your
products.
A
lot
of
consumers
nowadays
prefer
customized
and
unique
products
–
from
handmade
wedding
invites
to
decorative
pieces,
check
out
a
lot
of
inspiring
DIY
ideas
you
can
cash
on
at
Pinterest.com.
84
Change
your
perception
and
attitude
towards
money.
As
an
employer,
you
are
paid
with
money
to
render
services.
As
an
entrepreneur,
you
earn
money
by
selling
and
delivering
certain
products
and
services.
Money,
contrary
to
how
many
people
feel
about
it
is
not
the
root
of
all
evils.
However
it
is
also
not
the
panacea
for
all
your
pains
along
with
the
world’s
problems
and
ills.
Money
is
simply
an
instrument
-­‐-­‐
a
tool
that
allows
you
to
achieve
a
certain
standard
of
living
that
you
choose
to
pursue.
85
Change
how
you
think
about
yourself.
You
cannot
define
your
character
based
on
running
balance
or
how
much
money
you
earn
every
month.
However,
you
need
to
have
the
mindset
that
whatever
amount
you
earn,
you
are
worth
it.
If
you
believe
you
are
a
$30,
000
per
year
employee,
shooting
for
$100,
000
is
definitely
quite
a
mind
leap.
Be
ready
to
make
the
necessary
career
and
life
choices
to
enhance
your
personal
ability
to
earn
more
money.
Instead
of
“settling”
for
a
job
that
simply
brings
food
to
the
table,
if
you
are
confident
you
are
worth
more,
you
need
to
make

28.
28
More
Time,
More
Money
the
necessary
steps
to
turn
things
around
and
take
better
control
of
your
finances.
86
Choose
to
build
your
career
based
on
income
potential.
The
basic
truth
is
we
all
work
for
money.
And
as
you
already
know,
there
are
some
jobs
than
pay
more,
all
without
the
need
to
put
in
extra
hours
of
backbreaking
work.
If
your
primary
motivation
is
earning
more
money,
then
make
sure
to
choose
a
career
where
you
can
earn
more.
Set
your
goals
and
take
the
necessary
steps
to
move
up
the
career
ladder.
87
Take
time
to
check
your
credit
score.
A
lot
of
people
don’t
know
that
one
of
the
fastest
ways
to
save
a
couple
of
thousand
dollars
is
to
check
your
credit
score
rating
and
fix
error
on
your
report.
By
taking
time
to
improve
your
credit
score,
you
can
potentially
save
thousands
on
interest
rates
every
year.
88
Make
money
by
blogging.
If
you
have
extra
time
on
your
hands,
blogging
is
a
great
way
to
earn
extra
income.
While
this
does
not
give
you
quick
cash,
with
several
months
of
solid
and
consistent
effort,
you
can
actually
make
a
decent
income.
Get
started
by
securing
a
nice
domain
name
and
get
hosting
service
then
set
up
your
blog.
89
Write
product
reviews.
There
are
a
number
of
online
sites
that
pay
you
a
small
amount
of
cash
by
writing
product
reviews.
If
you
write
fast
and
knowledgeable,
this
may
be
a
great
side
job
for
you.

29.
29
More
Time,
More
Money
90
Stage
homes.
With
the
growing
number
of
people
selling
houses
and
dealing
with
the
all
too
real
possibility
of
foreclosure,
you
can
help
people
sell
their
homes
by
staging
it
for
a
quick
sale.
If
you
have
a
flair
for
design,
then
go
ahead
and
offer
your
services.
91
Plan
out
your
meals
at
least
a
week
ahead
and
create
your
grocery
list
based
on
the
menu
plan.
This
will
not
only
save
you
time,
stress
and
money,
it
also
makes
it
supremely
easier
to
stick
to
healthier
diets
instead
of
succumbing
to
fastfood
and
processed
products.
92
Step
away
from
your
computer.
The
online
world
has
open
up
a
virtual
place
teeming
with
distractions.
In
order
to
increase
your
productivity,
try
to
do
most
of
your
work
offline.
93
If
you
are
fond
of
watching
TV,
invest
in
Tivo.
Consider
using
DVR
or
Tivo
to
effectively
cut
down
one
hour
television
show
down
to
40
minutes.
94
Choose
to
auto-­pay
your
bills.
Through
making
use
of
an
automated
system,
you
will
save
time
processing
payments
and
going
to
payment
centers.
In
addition,
you
also
eliminate
those
late
fees
as
well
as
increased
interest
rates
for
missed
payments.

30.
30
More
Time,
More
Money
95
Learn
important
keyboard
shortcuts.
Knowing
shortcuts
will
save
you
a
considerable
amount
of
time,
so
try
to
learn
shorter
keyboard
commands,
such
as
Ctrl
+S
to
save,
etc.
This
is
especially
useful
if
your
work
requires
you
to
work
on
a
computer
on
a
regular
basis.
96
Choose
to
get
up
earlier.
Going
about
your
chores
while
everyone
else
is
asleep
and
the
house
is
still
quiet
will
cut
down
work
in
a
fraction
of
the
time
you
usually
spend.
This
is
a
very
practical
solution
if
you
have
small
children
running
around,
which
makes
it
almost
impossible
to
conduct
a
decent
cleanup.
97
Choose
to
shop
online
whenever
it’s
possible.
Instead
of
going
through
racks
upon
racks
of
clothing,
shoes,
or
any
other
consumer
items,
by
opting
to
shop
online,
you
can
cut
down
shopping
time,
gas
expense,
and
curb
impulse
buying.
This
is
especially
helpful
and
a
practical
option
during
the
holidays.
If
you
don’t
exactly
relish
the
thought
of
joining
the
rest
of
a
few
hundred
other
shoppers,
then
do
your
shopping
online.
98
Invest
in
speeding
up
your
Internet
by
getting
broadband
connection.
If
your
work
and
productivity
greatly
relies
on
your
access
to
the
internet,
then
it’s
only
feasible
that
you
ensure
you
have
a
stable,
reliable
connection.
99
Work
on
improving
your
typing
speed.
Whether
it’s
writing
an
email
or
an
article
or
just
about
any
other
task
that
requires
encoding,
you
can
save
a
significant
amount
of
time
by
increasing
your
typing
speed.

31.
31
More
Time,
More
Money
100.
Get
Caller
ID
so
you
can
avoid
those
unnecessary
phone
time.
Avoid
calls
that
are
not
particularly
important
and
prevent
these
from
distracting
you
from
you
work.

32.
32
More
Time,
More
Money
Conclusion
As
you
may
have
found
out
from
the
tips
provided,
earning
more
and
becoming
successful
doesn’t
have
to
be
something
exceptionally
brilliant.
You
don’t
need
to
the
inventor
to
the
next
best
thing
set
to
topple
Facebook.
You
also
don’t
have
to
be
rocket
scientist
or
a
celebrity
to
build
your
own
fortune.
Instead
of
focusing
on
large,
ambitious
goals,
take
time
to
go
through
the
day
to
day
activities
you
normally
do
and
discover
some
innovative
things
to
cut
down
time
and
save
money.
Again,
success
is
the
sum
of
all
these
small
things.
Try
to
adapt
practical
habits
and
a
minimalist
lifestyle.
You
don’t
need
all
those
trappings
to
flaunt
your
success
or
make
you
feel
good
about
yourself.
Choose
to
edit,
delete
and
simplify
your
life.
Seek
rewarding
things
and
do
away
with
activities
that
only
cause
you
to
waste
time
and
money
needlessly.
You
will
realize
that
by
making
small
changes
on
how
you
do
things
as
well
as
your
perspective
on
life
and
material
stuff,
you
can
actually
cut
down
on
unnecessary
expenses
and
free
up
more
of
your
time.
The
solution
to
earning
more
is
actually
learning
to
spend
less
and
pursuing
your
strengths.
Consciously
choose
not
to
overcomplicated
things
and
avoid
unnecessary
distractions
that
sidetrack
you
from
your
goals.
Once
you
have
managed
all
these,
you
will
find
the
rewards
are
truly
promising.